We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange Debt Charity logo

How debt stress and mental health are linked

Debt causes worry and stress for thousands if not millions of people. When stress goes undealt with for a long time, it can cause anxiety, depression and other symptoms that indicate that your mental health is being affected.

Feeling stressed when dealing with debt or other unpleasant things in life is not a sign of weakness. It’s a natural human reaction that can be made easier to face with the right support. 

Is debt causing you stress and anxiety? 

Try Debt Remedy

Free online debt advice in 20 mins

Get debt help

What are the signs of debt-related stress?

There are many signs to look out for when you suspect that your debt problem is affecting your mental health. Here are just some of the symptoms to be on the lookout for:

  • Feeling sad, sick or overburdened by the thought of your debt
  • Not being able to sleep or eat properly due to worrying about debt
  • Feeling withdrawn from friends, family and loved ones due to worrying over debt
  • Underperforming at work or in your studies due to worrying over debt
  • Worsening symptoms of an existing case of depression, anxiety or other mental illnesses

Where can I get help for my debt-related stress?

There are several things you can do when dealing with debt related stress:

Talk to your doctor

If you’ve been feeling worried, sad or exhausted by your debt problems, your doctor can help. Telling them what you’re dealing with means they can look into different therapies that may help you through this difficult time. They may also be able to put you in touch with people who can help, such as us, or a mental health charity such as Sane or Mind.

Consider talking to us

We’re a free and confidential debt advice charity and we help thousands of people each week. However, we understand that sometimes just the thought of taking action on your debt can be extremely stressful. That’s why we’ve put together a section on our website where you can find out why you should trust us with your debt problem.

Visit Debt in Mind

Debt in Mind is a hub for people who are struggling with debt problems and the anxiety it can cause. Debt in Mind can show you how to deal with your debts in a straight-forward, easy to manage way. It can also give you more information about mindfulness, an easy to follow meditative practice that can help you deal with stress in a practical, healthy way.

Talk to a friend, family member or loved one

Keeping the things that worry you to yourself can often make them much more difficult to deal with. Sharing your problems with someone who will understand and support you can help. More practically, they may be able to help you go through financial paperwork and look at how to remedy the situation. If you prefer, they can also talk to us about your debts on your behalf.

Free debt advice you can trust

There are two ways we can help you deal with your debt problem more practically. Our online advice tool Debt Remedy can help you put together a personal action plan in around 20 minutes. Alternatively, visit our contact us page to find out how you can discuss your debts with one of our friendly advisors over the telephone. 

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018